We will bill your insurance given we have been provided the information on a timely basis.  If we are contracted with your insurance, you will be sent a statement after we receive an Explanation of Payment/Benefits.  If we are not contracted, understand that only you have a relationship with that payer.  We will give your insurance 45 days to pay.  If they do not pay within 45 days, you will be held responsible.

If you do not have insurance coverage or have a policy with a large deductible or limited benefits, we do offer several options. Self pay patients are required to pay in full at the time of service. Payment arrangements and/or financial assistance are available for others. Contact our Patient Accounts department at (815) 489-3950 for additional information prior to your first visit.

ADDITIONAL INFORMATION – New Health Coverage Option for the Uninsured – The Pre-Existing Condition Plan A new federal program – the Pre-Existing Condition Insurance Plan – can change or save the lives of people who’ve been locked out of the health coverage market because of a medical condition.

Each state may use different methods to determine whether a person applying for the Pre-Existing Condition Insurance Plan has a pre-existing condition or whether he or she has been denied health coverage. As such, people need to check on how to establish eligibility in their state. For more information about the Pre-Existing Condition Insurance Plan and how to apply, visit or, between the hours of 8am and 11pm EST, call 866-717-5826 (TTY: 866-561-1604).

Your First Visit

We understand that paperwork is a nuisance for all; however, because we are a privately owned clinic not directly associated with any specific physician practices, you will need to provide certain information directly to us. Upon scheduling and providing us with your phone number and email address, you will be sent a link to fill out paperwork before your appointment. Please feel free to do so, however, we do have paper copies in the clinic that you may fill out upon arrival. If choosing to fill out paperwork at the office, please arrive 15 minutes before scheduled appointment to allow enough time to complete. It is your responsibility to give us the correct billing information when you schedule your first appointment. If we are given information at a later date that is to be retroactive, we cannot guarantee that we will be able to accommodate your request, but we will make every effort within reason. If you have some form of insurance/coverage, we would prefer to collect from them versus you as a patient!

Because we strive to get patients in as quickly as possible, we will gather the billing information at the time of scheduling. We encourage you to contact your insurance directly to determine your physical therapy benefits and if authorization is required. The responsibility for the authorization process varies depending on the insurance company/benefit plan and can often be the patient, referring physician or our responsibility so you will want to understand this. Authorizations can be a source of problems. If we are aware that an authorization is needed and we do not have one on file, you will be given the option to continue care at your own expense potentially or postpone treatment until authorization can be obtained. If you are told by your insurance conflicting information about our status as a contracted provider, please contact our Patient Accounts so we can make sure our information is listed correctly with the insurance companies.

We will be in contact with your primary insurance to verify eligibility, therapy benefits and if authorization is required for our services. As you are probably aware, insurance companies make it very clear when you or a provider calls to verify benefits that the information provided during these calls is “not a guarantee of benefits or payment” until the claims are received and processed. We will make every effort to inform you of limited benefits or when benefits are about to terminate; however, you are ultimately responsible so please don’t hesitate to ask about the status of your benefits by calling our Patient Accounts or your insurance company directly. Please note: We will only be able to give an estimate; the final amounts can only be determined once claims are billed and processed. If you have a copay for therapy services, this is due at the time of service.

Please refer to our Payments for information about statements, where to send checks and to make an online payment.